Study on the Standard Mechanism for the Use of Funds by Credit Village Borrowers

摘要

In order to test the credit village mode can effectively regulate the behavior of the borrower's moral hazard, in this paper, by establishing a dynamic game model, the traditional mode of borrower credit loans and credit village funds use behavior selection are analyzed. The results show that the credit village under the "supervision, report the behavior, to punish behavior" existence and behavior using the borrower credit village has significant positive correlation between confirmed the credit village unique mode of operation characteristics can effectively prevent moral hazard of the borrower.